請教8老師和newacct老師，父母都已經滿65歲沒有在美國工作過，現在住在南部深紅州，2026年6月10日綠卡就滿5年了，是綠卡滿五年後就不能繼續買obamacare必須高價買medicare嗎？
-Because your parents have no working history in USA (i.e., they don't yet qualify for premium-free Medicare Part A), they still can purchase Obamacare, but they will lose Obamacare (ACA) subsidies because they become eligible for Medicare, i.e., they need to pay the whole price for Obamacare.
Of course, they also can choose to purchase Medicare (A and B) due to their age > or = 65, but they need to pay the premium for both Part A and B.
如果是必須買medicare，應該什麽時候開始申請呢？
-If they want to purchase Medicare, they need to purchase it during their 7-month Initial Enrollment Period (IEP) to avoid penalty, which starts 3 months before the months they turn 65, includes their birthday month, and ends 3 months after.
看到網上關於medicare有個6-month lookback rule，說是從申請medicare的時候倒退6個月medicare就已經生效了，這個規則對我父母這種情況也適用嗎？非常感謝！
